1. overdue penalty interest and late payment fee: the interest and late payment fee of arrears will be accumulated continuously, increasing the amount of your arrears.

2. Negative credit record: Unpaid debts will be reported by credit reporting agencies, which will have a serious impact on your credit record and may lead to a decline in credit score.

3. Collection action: Creditors can take legal measures or entrust collection agencies to recover debts, including making phone calls, bringing legal proceedings or taking other legal measures.

4. Assets are frozen or sealed up: In some cases, creditors can freeze your bank account and salary through legal procedures to recover the arrears.

5. Legal proceedings: Creditors have the right to bring a lawsuit to the court. If the other party wins the case, you may have to pay the debt principal, interest, fines and legal fees.

6. Social impact: Long-term inability to repay debts may affect your quality of life and social reputation, and may also put pressure on your family relationship and physical and mental health.

Summary: Non-repayment of online loans and credit cards will lead to an increase in overdue fees, damage to credit records, collection actions, asset freezing, legal proceedings and negative effects on individuals and families. It is suggested to communicate with creditors in time and seek solutions, such as rescheduling repayment plans or debt restructuring. Remember, taking action as early as possible can reduce the severity of the consequences.